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• How to load a benefits documentUpload guides, bills, and lab results on Documents. Family chips and care folders organize the library; employer PDFs stay the source of truth.getting-started
• File uploads: formats, size, and errorsSupported file types, what to do when an upload fails, and how BenAsk uses uploaded files without exposing unnecessary personal data.getting-started
• Account and privacy settingsWhere to manage account preferences, privacy controls, and organization context in BenAsk.account
• Family setup and household membersAdd dependents and household context so plan comparisons and claims use the right coverage assumptions.account
• Compare plans (Smart Choice)Compare medical, dental, and vision with a household total. Visit sliders update estimated OOP continuously; chat starts collapsed.plans
• Add a plan manuallyWhen automated imports are unavailable, add plan details manually so comparisons and chat stay plan-aware.plans
• AI benefits chat: what it can and cannot doBenAsk chat stays locked to plans and documents in your workspace. It helps navigate benefits—it does not replace clinicians, carriers, or HR.ai
• HSA vs FSA vs HRA (plain English)General comparison of health savings arrangements: who owns the funds, eligibility, tax treatment, and rollover—sourced from common IRS and marketplace guidance patterns.learn
• EOB vs bill vs superbillUnderstand what a bill, superbill, and EOB are for, who issues each, and how BenAsk files and titles them in Documents.learn
• Out-of-network claims (overview)General steps families take when seeing out-of-network providers: documentation, allowable amounts, and balance billing awareness.learn
• Coordination of benefits (high level)When two plans could cover the same person, carriers coordinate primary vs secondary payment. Learn common rules and what BenAsk tracks.learn
• Qualifying life events and enrollment windowsGeneral education on special enrollment periods after marriage, birth, loss of coverage, and similar events—confirm deadlines with your employer.learn
• Embedded vs aggregate family deductiblesWhy family out-of-pocket math changes when a plan uses embedded individual deductibles versus a single aggregate family deductible.learn
• Domestic partner coverage and imputed income (general)High-level tax framing when employer-sponsored health coverage extends to a domestic partner who is not a tax-dependent—IRS concepts vary by facts.learn
• Using HSAs and FSAs for orthodontia and visionGeneral patterns for eligible expenses, dual insurance with vision plans, and keeping receipts—always follow your plan and IRS guidance.learn
• What “Draft” means for your claimDraft means your claim is still being prepared—finish the wizard or add documents before you mark ready to submit in BenAsk.claims
• What “Info needed” means for your claimInfo needed flags missing visit, billing, or document details—open the claim, fix gaps from prompts, then continue the wizard or Actions checklist.claims
• What “Ready to submit” means for your claimAssist-only packet is ready—use claim Actions for payer channels, send the filing yourself, then mark Submitted when the payer acknowledges.claims
• What “Submitted” means for your claimSubmitted records that you told BenAsk the payer received your filing—keep confirmation IDs and watch for EOBs or payer requests in inbox and portal.claims
• What “Partial paid” means for your claimPartial paid means the EOB paid some lines or less than billed—compare allowed amounts and patient responsibility before paying provider balances.claims
• What “Paid” means for your claimPaid means the carrier’s EOB shows benefit was issued—store the EOB, reconcile to the provider bill, and archive when finished for taxes or HSA records.claims
• What “Denied” means for your claimDenied means the payer’s EOB declined some or all services—read denial codes, check deadlines, then plan appeal or corrected resubmission per your plan.claims
• What “Appealed” means for your claimAppealed captures a formal appeal after a denial—attach correspondence and deadlines so your timeline stays auditable.claims
• What “Closed” means for your claimClosed marks the claim as no longer requiring active coordination in BenAsk—documents remain available for audits or taxes.claims
• What “Cancelled” means for your claimCancelled means you withdrew or deduplicated the claim in BenAsk—you can start a new claim if the expense still needs filing.claims
• Claims tab: OpenOpen is your default working queue—claims stay here until you close, cancel, or archive them, even when workflow already says Submitted.claims
• Claims tab: Needs your inputNeeds your input lists claims that still require documents, answers, or fixes before you file or while payer rework is active.claims
• Claims tab: ClosedClosed hides finished work from the Open tab while keeping read-only history, timeline, and attachments for audits or taxes.claims
• Claims tab: ArchivedArchived removes claims from primary tabs—restore a row when you need the packet again for appeals, HSA documentation, or duplicate checks.claims
• Filing Medical claims in BenAskMedical member claims in BenAsk: superbills, out-of-network bills, COB with other coverage, and EOB follow-up—assist-only Phase 1; SPD rules win.claims
• Filing Dental claims in BenAskDental member claims in BenAsk: ledgers, narratives or images when requested, COB across two dental plans, and assist-only packet prep.claims
• Filing Vision claims in BenAskVision claims in BenAsk: exams, materials, contacts, itemized receipts, and carrier form guidance when your administrator requires paper.claims
• Filing Pharmacy / RX claims in BenAskPharmacy receipts in BenAsk: cash pay, PBM portals, legible Rx labels—assist-only filing; formulary rules still come from your plan.claims
• Filing FSA / HRA claims in BenAskFSA or HRA reimbursements in BenAsk: itemized receipts, LMNs when required, administrator portals—COB differs from medical or dental insurance.claims
• Claims journey: decide, prepare, submit, and follow up (US)Six-stage US member-filed claim path: wizard, COB, self-submit, EOBs, appeals. Phase 1 assist-only in BenAsk—plan and payer remain source of truth.claims
• Carrier claim guides (medical, dental, vision & pharmacy)Payer-specific tips for gathering documents, submitting member-claims yourself, and tracking outcomes. Pairs with carrier playbooks in BenAsk.claims
• UnitedHealthcare (medical): Medical member-claim tipsUnitedHealthcare (medical): gather documents, submit a Medical claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; yclaims
• Cigna (medical): Medical member-claim tipsCigna (medical): gather documents, submit a Medical claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID cardclaims
• Aetna (medical): Medical member-claim tipsAetna (medical): gather documents, submit a Medical claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID cardclaims
• Anthem / Elevance (medical): Medical member-claim tipsAnthem / Elevance (medical): gather documents, submit a Medical claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; claims
• Delta Dental: Dental member-claim tipsDelta Dental: gather documents, submit a Dental claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID card andclaims
• MetLife Dental: Dental member-claim tipsMetLife Dental: gather documents, submit a Dental claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID card aclaims
• VSP Vision Care: Vision member-claim tipsVSP Vision Care: gather documents, submit a Vision claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID card claims
• EyeMed Vision: Vision member-claim tipsEyeMed Vision: gather documents, submit a Vision claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID card anclaims
• Express Scripts (pharmacy): Pharmacy / RX member-claim tipsExpress Scripts (pharmacy): gather documents, submit a Pharmacy / RX claim through your carrier’s channels yourself (assist only), and track EOBs. Educational oclaims
• OptumRx: Pharmacy / RX member-claim tipsOptumRx: gather documents, submit a Pharmacy / RX claim through your carrier’s channels yourself (assist only), and track EOBs. Educational only; your ID card aclaims
• How to add a dependent to your health planStep-by-step on adding a spouse, child, or domestic partner to your medical, dental, and vision coverage — and the documents you'll need.enrollment
• How to appeal a denied insurance claimA practical guide to appealing a denied claim — internal vs. external review, what to include, and the deadlines you cannot miss.claims
• Understanding COBRA continuation coverageCOBRA lets you keep your employer health plan after leaving a job — for a price. Who qualifies, what it costs, and the alternatives to consider.enrollment
• How to contribute to your HSAThree ways to fund your HSA — payroll, direct contribution, and rollover — and how to claim the deduction at tax time.hsa-fsa
• Deductibles, copays, and coinsurance explainedThe three ways your health plan splits costs with you — what each one means, when it applies, and how a single visit can involve all three.medical-insurance
• Dental coverage: preventive, basic, and major servicesWhat each dental coverage tier includes, the typical coinsurance, and which services tend to get reclassified between plans.dental-insurance
• What you can buy with your HSA or FSAA reference list of HSA and FSA eligible expenses — from copays and Rx to surprising items like sunscreen, period products, and over-the-counter meds.hsa-fsa
• How to file a medical insurance claimWhen and how to file a medical claim yourself — what documents to collect, where to send them, and how to track the status.claims
• How to find an in-network doctorStep-by-step instructions to find doctors, specialists, and hospitals that are in your plan's network — and how to confirm before you book.medical-insurance
• FSA deadlines: use-it-or-lose-it, grace periods, and rolloversYour FSA forfeits unspent funds at year-end unless your plan offers a grace period or carryover. Here's how to make sure you don't leave money on the table.hsa-fsa
• How dental insurance worksDental insurance pays in tiers, has an annual maximum (not an out-of-pocket max), and rewards regular cleanings. Here's how the math actually shakes out.dental-insurance
• HSA vs FSA: which one is right for you?HSAs and FSAs both let you pay medical costs with pre-tax dollars, but the rules — rollover, ownership, eligibility — are very different.hsa-fsa
• How to invest your HSA fundsAn HSA can do double duty as a retirement account. Here's how to set up investing, the minimum balance rules, and a simple strategy.hsa-fsa
• Open enrollment: a step-by-step guideOpen enrollment is a 2–4 week window each year to choose your benefits. Here's how to prepare, compare plans, and avoid the most common mistakes.enrollment
• Does your dental plan cover orthodontics?Orthodontic benefits have separate maximums, age limits, and rules. How to find your lifetime ortho max and use it for braces or aligners.dental-insurance
• What is an out-of-pocket maximum?Your out-of-pocket maximum is the safety net that caps your spending. Learn what counts, what doesn't, and how family vs. individual limits work.medical-insurance
• PPO vs HMO vs EPO vs POS: which plan type is right for you?A side-by-side breakdown of the four common medical plan types — referrals, networks, costs, and out-of-network coverage — so you can pick the right one.medical-insurance
• How prescription drug coverage worksDrug formularies, tiers, prior authorization, step therapy, and mail-order pharmacies — the rules that determine what you pay at the counter.medical-insurance
• Preventive care services covered at 100%Under the ACA, most plans cover a long list of preventive services with no copay, no coinsurance, and no deductible — even before you've met it.medical-insurance
• How to read your Explanation of Benefits (EOB)An EOB is a math worksheet, not a bill. Learn what each column means and how to spot errors before you pay your provider.claims
• Understanding your medical insurance planA plain-language tour of the parts of your medical plan — premium, deductible, copays, coinsurance, and the network — and how they fit together.medical-insurance
• How to use your vision benefits for glasses and contactsStep-by-step on scheduling an exam, picking frames, and maximizing your vision allowance — including out-of-network reimbursement.vision-insurance
• What vision insurance coversVision plans cover routine eye exams, glasses, and contacts on a schedule — usually once every 12 or 24 months. Here's the full breakdown.vision-insurance
• Why was my claim denied? Common reasons and fixesMost claim denials come from a handful of fixable issues — coding errors, missing referrals, or eligibility problems. Here's how to spot and resolve each.claims